Analyst, Credit Support, Premium

Standard Bank Group; Cradock; On-site; ZAR 500,000 - 800,000; Full time

Job summary

A leading Africa-focused financial services group seeks a financial analyst to support a Relationship Manager in managing Premium Business Segment relationships. The role entails conducting financial analyses, managing credit processes, and ensuring client understanding while leveraging a strong background in financial management. Candidates should possess relevant degrees and experience in business banking, ideally with agricultural insights.

Qualifications

• At least 4 years in financial management or similar roles.
• 4 years in a credit/financial analyst role in business banking.
• Agricultural knowledge or experience is an advantage.

Responsibilities

• Support the Relationship Manager in managing high-value client portfolios.
• Perform financial analysis and prepare cases for credit lending.
• Manage and monitor the credit process from initiation to completion.

Skills

Financial analysis

Customer understanding

Risk identification

Education

B.Comm in Management Accounting or similar

Honours Degree or CA(SA)/CIMA qualification

Job description

Company Description

Standard Bank Group is a leading Africa-focused financial services group and an innovative player on the global stage. It offers a variety of career-enhancing opportunities and the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals to businesses of all sizes, high net worth families, and large multinational corporates and institutions. We are passionate about creating growth in Africa, bringing true, meaningful value to our clients and communities, and creating a sense of purpose for our employees.

Job Description

To support the Relationship Manager in growing and retaining a portfolio of high-value Premium Business Segment relationships by performing a proactive, mobile, and value-adding financial partnership role.

Ensures a deep understanding of customers’ businesses through regular interaction, including visits to their places of business.

Uses client value chain analysis to understand customer needs and deploy banking and financial solutions accordingly.

Performs complex financial analysis on annual financial statements, management accounts, and cash flow projections.

Prepares and advocates for agricultural and business finance applications, presenting cases to business and credit lending committees.

Manages the credit process from initiation to completion, including collateral management, monitoring, and annual reviews of all clients with credit facilities.

Qualifications

• B.Comm (Management Accounting), B.Comm (Accounting), B.Comm (Agricultural Economics), B.Sc. (Agricultural Economics), or similar
• Honours Degree, SAICA Articles/CA(SA), or CIMA qualification is an advantage
• FAIS Representative

Experience

• At least 4 years in financial management, financial accounting, management accounting, or similar roles
• At least 4 years in a credit/financial analyst role in business banking
• Agricultural knowledge/experience is an advantage

Additional Information

Behavioral Competencies

• Adopting practical approaches
• Challenging ideas
• Convincing people
• Developing expertise
• Developing strategies

Technical Competencies

• Banking processes and procedures
• Business acumen (audit)
• Customer acceptance & review (business banking)
• Customer understanding (business banking)
• Financial acumen
• Risk identification